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"I’m coming home from a party, and I don’t want to end up getting arrested": do driving apps help people break road rules?

<p><em><a href="https://theconversation.com/profiles/verity-truelove-1237331">Verity Truelove</a>, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/michelle-nicolls-1299069">Michelle Nicolls</a>, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>, and <a href="https://theconversation.com/profiles/oscar-oviedo-trespalacios-1417150">Oscar Oviedo-Trespalacios</a>, <a href="https://theconversation.com/institutions/delft-university-of-technology-1040">Delft University of Technology</a></em></p> <p>Apps such as Google Maps, Apple Maps and Waze can tell drivers when they are approaching speed cameras or random breath testing stations. Countries such as Germany, France and Switzerland have banned apps from displaying these enforcement locations.</p> <p>But what effect are these apps having in Australia – are they helping drivers break road rules?</p> <p>Our new <a href="https://www.sciencedirect.com/science/article/pii/S0925753524002972">paper</a>, published in the journal Safety Science, examined this question.</p> <p>We found this technology can, in some cases, contribute to people thinking they are invincible on the roads. However, we also found they can sometimes help people drive more safely.</p> <h2>Being made aware of enforcement can help road safety</h2> <p>We conducted focus groups and interviews with a total of 58 drivers from Queensland, to understand how the use of this technology influences perceptions of being caught for breaking road rules.</p> <p>One driver told us: "If I know it’s coming up, I’ll put my phone down. If I was, say, texting or checking something, but then like once a good few 100 metres away, I sort of pick it up again, depending though."</p> <p>Another said: "It sort of depends where I am driving, I guess. Like, if I am driving on a country road and there is a speed camera there I would probably slow down for the speed camera and then sort of speed up again once I am sort of past that; it sort of depends on the circumstances."</p> <p>We also found that, for some people, being made aware of enforcement locations can help drivers better regulate their speed. This helped them comply with road rules more consistently.</p> <p>Waze also shows the speed limit in the area, which further assisted some drivers to stick to the speed limit. One driver told us: "I’m a bit careful if I just look at the speedo and just double check that I’m on the right amount of speed."</p> <p>Another said: "It just gives you a warning like, ‘OK, you need to check your speed.’ Just to double-check you’re going on the right speed perhaps or when it’s a camera coming up."</p> <h2>Concerning behaviours</h2> <p>Concerningly, we also found some drivers who use these apps are looking at and touching their screens more than they otherwise would. This can distract drivers and increase their <a href="https://www.sciencedirect.com/science/article/pii/S0925753524001097">risk of crashing</a>.</p> <p>One driver told us they post traffic updates on the app they use while driving, “which I know is wrong.”</p> <p>Another said: "Just hit the button on the phone. Just two steps after I go past the camera."</p> <p>Another driver told us: "It’s so helpful […] Especially if it’s, say, late night and I’m coming home from a party, and I don’t want to end up getting arrested."</p> <p>One driver said: "I probably feel slightly more invincible, which is probably not a good thing."</p> <p>When asked why these apps are used, one driver said: "I guess the drug and the drink-driving."</p> <h2>Apps can help and hinder road safety</h2> <p>We know breaking road rules significantly contributes to <a href="https://www.who.int/teams/social-determinants-of-health/safety-and-mobility/global-status-report-on-road-safety-2023">crashes and road fatalities</a>, with deaths on Australian roads continuing to <a href="https://www.bitre.gov.au/publications/ongoing/road_deaths_australia_monthly_bulletins">increase</a> over time.</p> <p>On the one hand, when drivers are aware of enforcement measures like cameras and police, they are more likely to stop breaking the rules in those areas. That’s particularly true for behaviours such as speeding and using a phone while driving, we found.</p> <p>Using apps that flag where cameras and police are located also means drivers would be more exposed to enforcement activities than they otherwise would be on a normal drive.</p> <p>On the other hand, our results suggest some drivers are using these applications to break road rules more often in places where they think they won’t be caught.</p> <p>These apps are also not always completely accurate.</p> <p>For instance, even though Waze can display some police operation locations such as roadside breath testing, it can’t capture <em>all</em> on-road police activities. Further, camera locations are not always up to date or accurate.</p> <h2>Weighing benefits against risks</h2> <p>While these apps do have some benefits, it’s important to weigh these against the risks.</p> <p>It’s also important to recognise traffic enforcement isn’t just there to make you comply with road rules at a specific point; it is meant to remind you of the constant risk of being caught and to encourage consistent rule compliance.</p> <p>The goal is to ensure that drivers are following the traffic rules across the entire network, not just in isolated spots.</p> <p>With road fatalities at some of the <a href="https://www.bitre.gov.au/publications/ongoing/road_deaths_australia_monthly_bulletins">highest rates we’ve seen in recent years</a>, we need everyone to work together to stop more preventable deaths and injuries.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237664/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/verity-truelove-1237331">Verity Truelove</a>, Senior Research Fellow in Road Safety Research, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/michelle-nicolls-1299069">Michelle Nicolls</a>, PhD Candidate, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>, and <a href="https://theconversation.com/profiles/oscar-oviedo-trespalacios-1417150">Oscar Oviedo-Trespalacios</a>, A/Professor Responsible Risk Management, <a href="https://theconversation.com/institutions/delft-university-of-technology-1040">Delft University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/im-coming-home-from-a-party-and-i-dont-want-to-end-up-getting-arrested-do-driving-apps-help-people-break-road-rules-237664">original article</a>.</em></p>

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World’s longest treasure hunt ends as Golden Owl finally unearthed in France

<p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">After more than three decades of mystery and intrigue, the world’s longest-running treasure hunt has come to a thrilling conclusion with the discovery of the elusive Golden Owl. Valued at approximately $240,000, the treasure had captivated the imaginations of thousands since it was first buried in France in the early 1990s.</span></p> <p>The hunt began with the publication of the now-famous book, <em>On the Trail of the Golden Owl</em>, written by communications expert Régis Hauser under the pseudonym “Max Valentin” and illustrated by artist Michel Becker. The 1993 book challenged readers to solve a series of intricate riddles and clues, which, when deciphered, would reveal the owl’s secret location.</p> <p>Despite years of painstaking attempts to crack the mystery, the Golden Owl remained hidden for decades, surviving even its creator. Hauser passed away in 2009, leaving the prize still buried. Michel Becker, who took over the management of the hunt, delivered the long-awaited news on October 3 via an online announcement that sparked a frenzy among treasure hunters: “A potential winning solution is currently being verified.”</p> <p>Two hours later, he confirmed: “Don’t go digging! We confirm that the Golden Owl countermark was unearthed last night.”</p> <p>The treasure hunt’s <a href="https://goldenowlhunt.com/" target="_blank" rel="noopener">official website was also updated with the announcement</a>, bringing an end to a search that has been both thrilling and, for some, overwhelming.</p> <p><strong>The obsession and madness behind the search</strong></p> <p>For over 30 years, the Golden Owl hunt transcended being just a hobby for many treasure hunters and became an all-consuming obsession. While some enjoyed it as a leisurely pursuit, others were driven to extreme lengths – financially, emotionally and mentally. The search for the owl has been linked to personal crises, including financial ruin and broken marriages. At least one individual reportedly ended up in an asylum due to their fixation on solving the hunt’s riddles.</p> <p>The toll wasn’t limited to individuals. Searchers caused considerable disruption across France, digging unauthorised holes in public and private lands. In one eastern French village, the local mayor was forced to plead with hunters to stop digging around its chapel, while in other cases, searchers brought power tools to banks and even considered destroying structures in the hopes of unearthing the treasure.</p> <p><strong>The Golden Owl’s elusive clues</strong></p> <p><em>On the Trail of the Golden Owl</em> contained a complex series of 11 riddles, each paired with a painting by Becker. The riddles, combined with maps, colours and hidden details, challenged readers to work out the owl’s hidden location.</p> <p>Before his death, Hauser revealed three crucial elements to solving the puzzle:</p> <p>The use of maps: Hunters needed to work with maps to narrow down the search area and use a specific map to pinpoint the final zone.</p> <p>A “mega trick”: This was the key to using the sequence of riddles to locate the final area where the owl was hidden.</p> <p>A final hidden riddle: Once in the final zone, hunters had to uncover one last riddle to lead them to the exact spot of the treasure.</p> <p><strong>Joyous celebration among treasure hunters</strong></p> <p>The treasure-hunting community was overjoyed when the news broke, with many expressing their disbelief and excitement. “Finally – liberated!” exclaimed one fan on the hunt’s Discord forum. Another added, “I didn’t think I’d live to see the day.”</p> <p>As of now, the exact location of the owl’s discovery and the identity of the finder remain undisclosed. However, Becker hinted at the complexity involved in concluding this monumental hunt. “Tons of emotions to manage for all those who are responsible for managing the end of this episode and complex logistics to put in place,” he said in a statement on October 6.</p> <p>For now, the Golden Owl, a treasure that has held a generation of sleuths in its grasp, has been unearthed. Yet, the fascination with its story will undoubtedly linger for years to come.</p> <p><em>Images/Illustrations: Michel Becker</em></p>

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"We all come to an end": Beloved comedian's heartbreaking message from palliative care

<p>Scottish comedian Janey Godley has made an emotional announcement to her social media followers, sharing that she is now in palliative care. </p> <p>Godley was forced to cancel her tour after developing sepsis from her cancer treatments, and is now receiving end of life care after a years long battle with ovarian cancer. </p> <p>"So I'm now in palliative care and I am at end-of-life care now in the hospital," the 63-year-old said in a video posted to Instagram. </p> <p>"The chemo ran out of options, and I just couldn't take any more of it," she continued, adding that the "has spread, so it looks like this will be getting to near the end of it, and it's really difficult to speak about this and say it to people."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DAWJ3Qgt-Rx/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DAWJ3Qgt-Rx/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Janey Godley (@janeygodley)</a></p> </div> </blockquote> <p>She went on to thank the hospital staff for their efforts, and family and friends for supporting her and husband Sean Storrie and their daughter Ashley through her illness. </p> <p>"It is devastating news to know that I'm facing the end of life but we all come to an end sometime," she continued. </p> <p>"I don't know how long I've got left before anybody asks. I'm not on TikTok so I just want you all to know that I appreciate all the love you've given me."</p> <p>She wished everyone a "lovely Christmas", adding, "I might be here, who knows? But I just want you to know I'm sending all my love to people living with a life-limiting disease."</p> <p>The news comes just weeks after Godley was forced to cancel her tour after developing sepsis while undergoing treatment. </p> <p>An official statement shared, "Janey has been living with stage four ovarian cancer for the past few years and the treatment from the wonderful Scottish NHS has kept the disease at bay, but sadly in the last few weeks the cancer has returned and there have been a few added complications."</p> <p><em>Image credits: Instagram</em></p>

Caring

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Arrests made after woman ends her life in "suicide pod"

<p>Police in Switzerland have made several arrests in connection with a woman's death in the Australian-made "suicide pod". </p> <p>The 'Sarco' capsule was used for the first time by a 64-year-old American woman who was “immune compromised” and had been in “severe pain” for “at least two years”. </p> <p>The pod is designed for the user to push a button that injects nitrogen gas into the sealed chamber, with the person inside then supposed to fall asleep and die of suffocation in a few minutes.</p> <p>The Sarco machine (short for sarcophagus) was invented by Australian Dr Philip Nitschke, who has been nicknamed “Dr Death”, said the machine had performed exactly as it had been designed", with the woman's death occurring as "expected". </p> <p>“It looked exactly as we expected it to look. My guess is that she lost consciousness within two minutes and that she died after five minutes,” Dr Nitschke told Dutch media.</p> <p>“We saw sudden, small contractions and movements of the muscles in her arms, but she was probably already unconscious by then.”</p> <p>Dr Nitschke claimed the woman “almost immediately” pressed the button, adding, “She didn’t say anything. She really wanted to die.”</p> <p>However, despite the woman's wishes to take her own life, Swiss police announced that several people were taken into custody over the woman's death and are now facing criminal charges, suspected of “inducement and aiding and abetting suicide.”</p> <p>The arrests took place despite the fact that Dr Nitschke had previously told AP that his organisation received advice from lawyers in Switzerland that the use of the Sarco would be legal in the country, where active euthanasia is banned but assisted dying has been legal for decades.</p> <p><em><strong>Need to talk to someone? Don't go it alone. </strong></em></p> <p><em><strong>Call Lifeline on 13 11 14 or visit lifeline.org.au</strong></em></p> <p><em><strong>Beyond Blue: 1300 224 636</strong></em></p> <p><em><strong>SANE: 1800 187 263; saneforums.org</strong></em></p> <p><em>Image credits: Exit International </em></p>

Caring

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Kate Middleton confirms the end of her chemotherapy

<p>The Princess of Wales has confirmed that she has finished chemotherapy and is now focused on staying cancer free. </p> <p>Kate Middleton, who announced in March that she was undergoing preventative chemotherapy for an undisclosed type of cancer, shared the update on social media with a deeply personal message. </p> <p>"As the summer comes to an end, I cannot tell you what a relief it is to have finally completed my chemotherapy treatment," she began in the video, which was shot last month in Norfolk. </p> <p>"The last nine months have been incredibly tough for us as a family. Life as you know it can change in an instant and we have had to find a way to navigate the stormy waters and road unknown," she continued.</p> <p>“The cancer journey is complex, scary and unpredictable for everyone, especially those closest to you.</p> <p>“With humility, it also brings you face to face with your own vulnerabilities in a way you have never considered before, and with that, a new perspective on everything.</p> <p>“This time has above all reminded William and me to reflect and be grateful for the simple yet important things in life, which so many of us often take for granted. Of simply loving and being loved.”</p> <p>Prince William, Prince George, Princess Charlotte and Prince Louis all feature alongside Kate in the video, as they're surrounded by nature, with the couple even showing a rare display of public affection. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C_s6SukNNne/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C_s6SukNNne/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>The Princess said that going forward her focus would be on “doing what I can to stay cancer-free” but was “looking forward to being back at work”, with plans to undertake a light program of engagements until the end of the year. </p> <p>“Although I have finished chemotherapy, my path to healing and full recovery is long and I must continue to take each day as it comes,” she added.</p> <p>“Despite all that has gone before, I enter this new phase of recovery with a renewed sense of hope and appreciation of life.”</p> <p>She then thanked the public for their support, saying how grateful the family were and how they  had “drawn great strength from all those who are helping us at this time”.</p> <p>"Everyone's kindness, empathy and compassion has been truly humbling."</p> <p>“To all those who are continuing their own cancer journey – I remain with you, side by side, hand in hand. Out of darkness, can come light, so let that light shine bright,” she concluded.</p> <p>The Princess of Wales plans to support her family at the Cenotaph in Whitehall on Remembrance Sunday in November and host her annual televised <em>Together At Christmas </em>carol service at Westminster Abbey the following month. </p> <p><em>Images: Instagram/ Kensington Palace</em></p> <p> </p>

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Why is it so hard to cancel subscriptions or end ‘free’ trials? Report shows how companies trap you into paying

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/katharine-kemp-402096">Katharine Kemp</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>Many businesses are trapping Australian consumers in paid subscriptions by making them hard to cancel, hiding important details and offering “free” trials that auto-renew with hefty charges. We need law reform to tackle this continuing problem.</p> <p><a href="https://cprc.org.au/report/let-me-out">A new report</a> shows 75% of Australian consumers have had negative experiences when trying to cancel a subscription, according to the Consumer Policy Research Centre (CPRC).</p> <p>It shows businesses use “<a href="https://www.wired.com/story/how-to-spot-avoid-dark-patterns/">dark patterns</a>”, which are designs that hinder consumers who try to act in their own best interests. Subscription traps are often called “<a href="https://www.ftc.gov/business-guidance/blog/2022/11/checking-out-ftcs-100-million-settlement-vonage">Hotel California</a>” techniques, referring to The Eagles’ famous lyric: “you can check out any time you want, but you can never leave”.</p> <p>In some of these cases, consumers may have remedies under our existing consumer law, including for misleading conduct. But we need law reform to capture other <a href="https://treasury.gov.au/consultation/c2023-430458">unfair practices</a>.</p> <p>In the meantime, the CPRC’s research also gives examples of businesses with <em>fair</em>, consumer-friendly subscription practices. These also benefit the business.</p> <h2>Examples of unfair subscription traps</h2> <p><a href="https://www.forbes.com/councils/forbesbusinessdevelopmentcouncil/2022/09/12/the-evolution-of-the-subscription-model-and-whats-on-the-horizon/">Subscription business models</a> have become common – many products are now provided in the form of software, an app or access to a website. Some of these would once have been a physical book, newspaper, CD or exercise class.</p> <p>Most people who use online services have experienced the frustration of finding a credit card charge for an unwanted, unused subscription or spending excessive time trying to cancel a subscription.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=643&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=643&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=643&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=808&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=808&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=808&amp;fit=crop&amp;dpr=3 2262w" alt="Infographic with a few statistics from the report." /></a><figcaption><span class="attribution"><a class="source" href="https://cprc.org.au/wp-content/uploads/2024/08/CPRC_LetMeOut_SubsTraps_Report_FINAL.pdf">CPRC, Let me out – Subscription trap practices in Australia, August 2024</a></span></figcaption></figure> <p>Businesses can make it difficult for consumers to stop paying for unwanted subscriptions. Some do this by allowing consumers to start a subscription with a single click, but creating multiple obstacles if you want to end the subscription.</p> <p>This can include obscuring cancellation options in the app, requiring consumers to phone during business hours or making them navigate through multiple steps and offers before terminating. The report points out many of the last-ditch discounts offered in this process are only short term. One survey respondent said:</p> <blockquote> <p>I wasn’t able to cancel without having to call up and speak to someone. Their business hours meant I had to call up during my work day and it took some time to action.</p> </blockquote> <p>Other businesses badger consumers with frequent emails or messages after they cancel. One respondent said a business made “the cancellation process impossible by making you call and then judging your reason for cancellation”.</p> <h2>What does consumer law say?</h2> <p>Some subscription traps already fall foul of the Australian Consumer Law and warrant investigation by the <a href="https://www.accc.gov.au/media-release/accc-warns-consumers-to-beware-of-subscription-traps">Australian Competition &amp; Consumer Commission</a> (ACCC). Consumers may have remedies where the business has engaged in misleading conduct or imposes an unfair contract term.</p> <p>For example, the ACCC is <a href="https://www.accc.gov.au/media-release/accc-court-action-against-eharmony-for-alleged-misleading-online-dating-membership-statements#:%7E:text=The%20ACCC%20has%20today%20commenced%20proceedings%20in%20the,the%20pricing%2C%20renewal%20and%20duration%20of%20its%20memberships.">suing dating site eHarmony</a> for its allegedly misleading subscription practices.</p> <p>In the United States, the Federal Trade Commission <a href="https://www.ftc.gov/news-events/news/press-releases/2024/06/ftc-takes-action-against-adobe-executives-hiding-fees-preventing-consumers-easily-cancelling">has filed a complaint against software company Adobe</a> for allegedly using dark patterns in its subscription practices.</p> <p>The Federal Trade Commission has alleged that “Adobe pushed consumers toward the ‘annual paid monthly’ subscription without adequately disclosing that cancelling the plan in the first year could cost hundreds of dollars”.</p> <p>Adobe <a href="https://news.adobe.com/news/news-details/2024/Adobes-Recent-Statement-Regarding-Updated-Federal-Trade-Commission-Complaint-/default.aspx">issued a statement</a> arguing the commission’s complaint “mischaracterises” its business. The litigation is ongoing.</p> <h2>We need an unfair practices prohibition</h2> <p>Some subscription traps would fall outside the existing consumer law. This is because they don’t meet the test for misleading conduct or unfair contract terms, but make it practically very difficult to cancel.</p> <p>The <a href="https://www.accc.gov.au/media-release/accc-welcomes-consultation-on-possible-unfair-trading-practices-regulatory-reforms">ACCC has advocated</a> for Australia to follow other countries such as the United Kingdom and the United States to enact an unfair practices prohibition to capture conduct like this.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=769&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=769&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=769&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=966&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=966&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=966&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a><figcaption><span class="caption">The shift businesses can make today.</span> <span class="attribution"><a class="source" href="https://cprc.org.au/wp-content/uploads/2024/08/CPRC_LetMeOut_SubsTraps_Report_FINAL.pdf">CPRC, Let me out – Subscription trap practices in Australia, August 2024</a></span></figcaption></figure> <h2>Better practices benefit businesses too</h2> <p>The CPRC report also revealed that 90% of Australians would likely purchase from the same organisation if cancelling a subscription process was quick and simple.</p> <p>Businesses focused on a short-sighted cash grab fail to realise that consumers might cancel but later return if treated well.</p> <p>The CPRC highlights businesses that are doing a good job. For instance, the habit change app Atoms (based on James Clear’s book Atomic Habits) has a genuinely free trial. It doesn’t require credit card details, doesn’t auto-renew, and lets consumers know how many trial days remain.</p> <p>The CPRC says the charity World Vision doesn’t auto-renew annual sponsorships, but reminds supporters about when the sponsorship will lapse.</p> <p>Importantly, some businesses – such as Netflix – use their data for good in this context. They notice when users are paying for the service without using it and help them unsubscribe.</p> <p>These practices should be applauded. But we need an unfair practices prohibition for businesses who don’t follow suit and recognise the long-term benefits of treating customers fairly.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237236/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/katharine-kemp-402096">Katharine Kemp</a>, Associate Professor, Faculty of Law &amp; Justice; Lead, UNSW Public Interest Law &amp; Tech Initiative, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-is-it-so-hard-to-cancel-subscriptions-or-end-free-trials-report-shows-how-companies-trap-you-into-paying-237236">original article</a>.</em></p> </div>

Money & Banking

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People who are bad with numbers often find it harder to make ends meet – even if they are not poor

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/wandi-bruine-de-bruin-275600">Wändi Bruine de Bruin</a>, <a href="https://theconversation.com/institutions/usc-dornsife-college-of-letters-arts-and-sciences-2669">USC Dornsife College of Letters, Arts and Sciences</a> and <a href="https://theconversation.com/profiles/paul-slovic-359838">Paul Slovic</a>, <a href="https://theconversation.com/institutions/university-of-oregon-811">University of Oregon</a></em></p> <h2>The big idea</h2> <p>People who are bad with numbers are more likely to experience financial difficulties than people who are good with numbers. That’s according to <a href="https://doi.org/10.1371/journal.pone.0260378">our analyses</a> of the <a href="https://wrp.lrfoundation.org.uk/explore-the-poll">Lloyd’s Register Foundation World Risk Poll</a>.</p> <p>In this World Risk Poll, people from 141 countries were asked if 10% was bigger than, smaller than or the same as 1 out of 10. Participants were said to be bad with numbers if they did not provide the correct answer – which is that 10% is the same as 1 out of 10. <a href="https://doi.org/10.1371/journal.pone.0260378">Our analyses</a> found that people who answered incorrectly are often among the poorest in their country. Prior studies in the <a href="https://doi.org/10.1111/j.1468-0297.2010.02394.x">United States</a>, <a href="https://doi.org/10.1111/j.1475-5890.2007.00052.x">United Kingdom</a>, <a href="https://doi.org/10.1016/j.joep.2016.02.011">the Netherlands</a> and <a href="https://doi.org/10.1111/joca.12294">Peru</a> had also found that people who are bad with numbers are financially worse off. But <a href="https://doi.org/10.1371/journal.pone.0260378">our analyses of the World Risk Poll</a> further showed that people who are bad with numbers find it harder to make ends meet, even if they are not poor.</p> <p>When we say that they found it harder to make ends meet, we mean that they reported on the poll that they found it difficult or very difficult to live on their current income, as opposed to living comfortably or getting by on their current income.</p> <p><a href="https://doi.org/10.1371/journal.pone.0260378">Our analyses</a> also indicate that staying in school longer is related to better number ability. People with a high school degree tend to be better with numbers than people without a high school degree. And college graduates do even better. But even among college graduates there are people who are bad with numbers – and they struggle more financially.</p> <p><iframe id="yOIiX" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/yOIiX/3/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <p>Of course, being good with numbers is not going to help you stretch your budget if you are very poor. <a href="https://doi.org/10.1371/journal.pone.0260378">We found</a> that the relationship between number ability and struggling to make ends meet holds across the world, except in low-income countries like Ethiopia, Somalia and Rwanda.</p> <p><iframe id="RejA1" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/RejA1/8/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <h2>Why it matters</h2> <p>The ability to understand and use numbers is also called <a href="http://doi.org/10.1093/oso/9780190861094.001.0001">numeracy</a>. Numeracy is <a href="https://doi.org/10.1787/1f029d8f-en">central to modern adult life</a> because numbers are everywhere.</p> <p>A lot of well-paying jobs involve working with numbers. People who are bad with numbers often perform worse in these jobs, including <a href="https://doi.org/10.1111/ecin.12873">banking</a>. It can therefore be hard for people who are bad with numbers to <a href="http://www.doi.org/10.1108/00400919710164125">find employment and progress in their jobs</a>.</p> <p>People who are bad with numbers are less likely <a href="https://www.pnas.org/content/116/39/19386.short">to make good financial decisions</a>. Individuals who can’t compute how interest compounds over time <a href="https://doi.org/10.1111/j.1540-6261.2009.01518.x">save the least and borrow the most</a>. People with poor numerical skills are also more likely <a href="https://doi.org/10.1037/0022-3514.41.3.586">to take on high-cost debt</a>. If you’re bad with numbers, it is hard to <a href="https://doi.org/10.1017/S1474747215000232">recognize</a> that paying the US$30 minimum payment on a credit card with a $3,000 balance and an annual percentage rate of 12% means it will never be paid off.</p> <h2>What still isn’t known</h2> <p>It is clear that people who are bad with numbers also tend to struggle financially. But we still need to explore whether teaching people math will help them to avoid financial problems.</p> <h2>What’s next</h2> <p>In her book “<a href="http://doi.org/10.1093/oso/9780190861094.001.0001">Innumeracy in the Wild</a>,” Ellen Peters, director of the Center for Science Communication Research at the University of Oregon, suggests that it is important for students to take math classes. American high school students who had to <a href="https://doi.org/10.3368/jhr.51.3.0113-5410R1">take more math courses</a> than were previously required had better financial outcomes later in life, such as avoiding bankruptcy and foreclosures.</p> <p>Successfully teaching numeracy also means helping students gain confidence in using numbers. People with <a href="https://doi.org/10.1073/pnas.1903126116">low numerical confidence</a> experience bad financial outcomes, such as a foreclosure notice, independent of their numeric ability. This is because they may not even try to take on complex financial decisions.</p> <p>Numerical confidence can be boosted in different ways. Among American <a href="https://doi.org/10.1037/0022-3514.41.3.586">elementary school children</a> who were bad with numbers, setting achievable goals led to better numerical confidence and performance. Among American <a href="https://doi.org/10.1371/journal.pone.0180674">undergraduate students</a>, a writing exercise that affirmed their positive values improved their numerical confidence and performance.</p> <p>Other important next steps are to find out whether training in numeracy can also be provided to adults, and whether training in numeracy improves the financial outcomes of people who do not live in high-income countries.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/172272/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/wandi-bruine-de-bruin-275600"><em>Wändi Bruine de Bruin</em></a><em>, Professor of Public Policy, Psychology and Behavioral Science, USC Sol Price School of Public Policy, <a href="https://theconversation.com/institutions/usc-dornsife-college-of-letters-arts-and-sciences-2669">USC Dornsife College of Letters, Arts and Sciences</a> and <a href="https://theconversation.com/profiles/paul-slovic-359838">Paul Slovic</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-oregon-811">University of Oregon</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/people-who-are-bad-with-numbers-often-find-it-harder-to-make-ends-meet-even-if-they-are-not-poor-172272">original article</a>.</em></p> </div>

Money & Banking

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"Heartbroken and blindsided": The Beast's ex-girlfriend opens up about split

<p>The ex-girlfriend of <em>The Chase</em> star Mark Labbett, also known as The Beast, has opened up about her high-profile break-up with the TV star, slamming his behaviour in the last weeks of their relationship. </p> <p>Hayley Palmer, an entertainment news presenter, announced her <a href="https://oversixty.com.au/lifestyle/relationships/mark-the-beast-labbett-s-girlfriend-drops-major-relationship-bombshell" target="_blank" rel="noopener">split</a> from Labbett just days after their one year anniversary, sharing the news on Instagram in May. </p> <p>Now, in an interview with <a href="https://www.thesun.co.uk/tv/28526452/mark-beast-labbett-hayley-palmer-split/" target="_blank" rel="noopener"><em>The Sun</em></a> newspaper, Palmer took aim at Labbett and his alleged handling of their split, saying she had been “blindsided” by their break-up, and shared how he had lived up to his name as The Beast.</p> <p>“It has come as a complete shock. I thought we were really happy,” she said.</p> <p>“I’m heartbroken and blindsided. His behaviour has been beastly.”</p> <p>Palmer went on to say that Labbett dumped her over a callous three-minute phone call, and said their breakup came because The Beast did not want to formally divorce his ex-wife Katie, who is also his second cousin. </p> <p>She went on to say that before their shock split, Mark — who has a seven-year-old son with his former wife — had even suggested they move in together.</p> <p>But in the days following, a phone call came from Labbett to end their relationship. </p> <p>Struggling to hold back tears, Hayley told the publication, “The call started off as a normal conversation.  He was spending time with his son and we’d had a conversation about me joining them at a water park."</p> <p>“Then he said, ‘I don’t know how to tell you this, but you were right. I don’t want to divorce my ex-wife’.</p> <div> <div id="articlempu"></div> </div> <p>“The shock of the way he said it was so brutally cold and not the Mark I know. I thought he was a gentle giant, so this was the complete opposite. He was as cold as ice."</p> <p>“The phone went from my hands, I just hung up on him. I ended up walking around for three hours not knowing where I was going."</p> <p>“I’ll never get over the shock of that, I’m still in shock now. It’s such a hurtful way to do it. The fact that he didn’t have the respect for me, and for him to do it over the phone — it was a really low move."</p> <p><em>Image credits: Instagram </em></p>

Relationships

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Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

<p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living.</p> <p>A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise.</p> <p>This stark reality means budgeting may be more necessary than ever.</p> <p>If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control.</p> <p>As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget.</p> <h2>1. Apps vs spreadsheet</h2> <p>A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria.</p> <p>If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach.</p> <p>What matters most is using a tool that you can commit to.</p> <h2>2. Itemising your income and expenses</h2> <p>A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses).</p> <p>If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position.</p> <h2>3. A realistic account of expenses</h2> <p>When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique.</p> <p>Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees.</p> <h2>4. Save first, spend later</h2> <p>Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month.</p> <p>When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day.</p> <p>Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside.</p> <h2>5. Considering assets and liabilities</h2> <p>Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position.</p> <p>You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense.</p> <p>By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings.</p> <h2>A healthy habit</h2> <p>Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/214861/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>.</em></p>

Money & Banking

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Sad end in search for missing Yellowstone actor

<p>The entertainment industry is mourning the loss of actor Cole Brings Plenty, known for his roles in various Western dramas, including a spin-off of the immensely popular television series <em>Yellowstone</em>.</p> <p>The news of his demise surfaced after a distressing sequence of events unfolded in Kansas, where Brings Plenty was found dead after being reported missing amidst a domestic violence investigation.</p> <p>Authorities from the Johnson County Sheriff’s Office confirmed on Friday the discovery of Brings Plenty's body in a wooded area. This revelation came in the wake of escalating concerns when the actor went missing amid a cloud of suspicion regarding a domestic violence incident.</p> <p>The circumstances surrounding Brings Plenty's death remain shrouded in mystery, as law enforcement officials have refrained from disclosing any details regarding the cause of death. However, the tragic saga began to unfold days prior when Brings Plenty found himself entangled in legal troubles.</p> <p>Reports indicate that Brings Plenty was charged in a nearby county with aggravated burglary, domestic battery and criminal restraint, prompting an arrest warrant against him. The series of events culminated when authorities responded to a distress call from an apartment in Lawrence, where a woman was heard screaming for help. However, by the time law enforcement arrived at the scene, Brings Plenty had already departed.</p> <p>The gravity of the situation escalated when Brings Plenty failed to attend a crucial audition for an upcoming film project scheduled over Zoom. </p> <p>Amid the turmoil, expressions of sorrow and condolence flooded in from all corners. Joe Brings Plenty Sr, the actor's father, expressed gratitude for the outpouring of support and prayers from well-wishers. "I learned this week how many people knew the goodness in Cole’s heart and loved him," he said in a statement released on Friday.</p> <p>Cole Brings Plenty, aged 27, left an indelible mark on the entertainment landscape with his appearances in several Western dramas. Notably, he graced the screen in two episodes of <em>1923</em>, a Paramount+ series starring veteran actor Harrison Ford, which serves as a prequel to the widely acclaimed <em>Yellowstone</em>. Additionally, Brings Plenty showcased his talent in other Western productions, including <em>Into the Wild Frontier</em> and <em>The Tall Tales of Jim Bridger</em>.</p> <p><em>Image: Instagram</em></p>

Caring

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World's most powerful women come together to mark the end of an era

<p>A group of the most powerful and influential women in the worlds of fashion and entertainment have joined forces to appear on a legendary cover of <em>British Vogue</em>. </p> <p>The iconic cover shoot occurred to celebrate the magazine's editor Edward Enninful, who is stepping back from the role after six years at the helm. </p> <p>Enninful gathered his muses for the history-making "Legendary" edition, featuring the likes of Oprah Winfrey, Jane Fonda, Selma Blair, Salma Hayek, Victoria Beckham, Miley Cyrus, Dua Lipa, and many more. </p> <p>"To get one of these women on a cover takes months. To get 40? Unheard of," Cyrus remarked in an on-set video.</p> <p>In a post to social media, Selma Blair remarked that she "didn't want the day to end". </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C3FtXApL8_O/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C3FtXApL8_O/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by British Vogue (@britishvogue)</a></p> </div> </blockquote> <p>The shoot also included models Kate Moss, Cara Delevingne, Karlie Kloss, alongside the original '90s supermodels – Naomi Campbell, Iman, Linda Evangelista, Christy Turlington and Cindy Crawford.</p> <p>Evangelista said of the iconic shoot, "I've met so many people today on my bucket list".</p> <p>Hayek also posted about the experience on Instagram, saying, "So honoured to be part of this legendary cover of British Vogue and Edward Enninful's muses, especially because they are my muses too!" </p> <p>Jane Fonda summed up the energy of the day on set, saying, "Women understand the importance and power of the collective."</p> <p><em>Image credits: Instagram </em></p> <p> </p>

Beauty & Style

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Happy ending after company's awful retirement send-off

<p>An elderly gentleman in the United States, who had faithfully served as an "extremely dependable" employee for 42 years, recently experienced a remarkable change in his fortunes, thanks in large part to the generosity of individuals from Australia.</p> <p>John Bartlett, the dedicated worker in question, had received <a href="https://www.oversixty.co.nz/lifestyle/retirement-life/you-deserve-more-company-slammed-over-measly-send-off-party" target="_blank" rel="noopener">underwhelming recognition from an unnamed company</a> for his decades of commitment. His daily 40-minute commute on public transportation to a job paying only the minimum wage went largely unnoticed until recently, causing widespread consternation.</p> <p>Sonia, one of his colleagues, was deeply moved by the perceived injustice and decided to share a video clip of Bartlett's story online. In her post, she expressed her wish that his hard work had been better acknowledged and thanked him for his unwavering loyalty. She noted that Bartlett loved his job so much that he was reluctant to retire, receiving nothing more than a barbecue and a certificate as a token of appreciation.</p> <p>After sharing Bartlett's story on social media, Sonia was inundated with messages from people eager to contribute to his well-deserved retirement. Responding to this outpouring of support, she set up a <a href="https://www.gofundme.com/f/happy-retirement-john#xd_co_f=YjM1NWNiYzAtN2QwYS00MDc2LTgzZWEtNzRiYzE2ZjczZDU2~" target="_blank" rel="noopener">GoFundMe</a> campaign, inviting the public to contribute "a little something for a better retirement" for him.</p> <p>Within a matter of days, the fundraiser received an overwhelming response, with donations and messages pouring in from around the world, including numerous contributions from Australians. The campaign was eventually closed after more than 1,900 individuals contributed, resulting in a total of A$57,454 for Bartlett's retirement fund.</p> <p>In his 70s, Bartlett was left speechless when Sonia shared this incredible news with him. She conveyed the global impact of his story and the messages of support he had received from people across the globe. Overwhelmed by the gesture, Bartlett could only smile and nod in response.</p> <p>“They left messages for you," said Sonia in the video. "So I’m going to print it out and go ahead and make something nice for you so you can read it on your own time. We started the GoFundMe because they wanted to give you something for your retirement on their part and it just blew up overnight. You deserve it, OK? I’m going to make sure everything goes to your account, just for you.”</p> <p>Supporters encouraged Bartlett to use the funds for special treats, like a grand holiday or for spending time with loved ones. Messages from donors expressed their heartfelt wishes for his retirement and new beginnings.</p> <p>Sonia expressed her gratitude to the donors, assuring them that every cent raised would be placed directly into Bartlett's account. In her final update to the GoFundMe account, she thanked donors for their kindness and reaffirmed her commitment to ensuring Bartlett received every penny, attributing the success of the campaign to their collective efforts.</p> <p>In the end, the power of community and compassion won out, as people from all walks of life came together to make a meaningful difference in the life of an individual who had dedicated so much to his job.</p> <p><em>Images: TikTok</em></p>

Retirement Life

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Hugh Jackman's first outing with his famous friends after bombshell split

<p>Hugh Jackman has been spotted rubbing shoulders with his famous friends in his first public outing since announcing his divorce. </p> <p>The actor was joined by Hollywood A-listers Ryan Reynolds, Blake Lively, Sophie Turner, Taylor Swift and many more famous mates at an NFL game in New York. </p> <p>The celebrity group showed up at the game in support of their friend Taylor Swift, who was barracking on for her rumoured new boyfriend, NFL player Travis Kelce. </p> <p>Jackman snapped a series of selfies with his pals, sporting a beaming smile. </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Shawn Levy shares new photo with Taylor Swift, Hugh Jackman, Ryan Reynolds and Blake Lively. <a href="https://t.co/8XkYlm1Uqj">pic.twitter.com/8XkYlm1Uqj</a></p> <p>— Pop Base (@PopBase) <a href="https://twitter.com/PopBase/status/1708928938448232854?ref_src=twsrc%5Etfw">October 2, 2023</a></p></blockquote> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Hugh Jackman, Ryan Reynolds and Shawn Levy tonight at New York Jets football game 📸 <a href="https://t.co/d5T55C4BpH">pic.twitter.com/d5T55C4BpH</a></p> <p>— Deadpool Updates (@DeadpoolUpdate) <a href="https://twitter.com/DeadpoolUpdate/status/1708636773629182395?ref_src=twsrc%5Etfw">October 2, 2023</a></p></blockquote> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">📷| <a href="https://twitter.com/taylorswift13?ref_src=twsrc%5Etfw">@TaylorSwift13</a> with Blake Lively, Ryan Reynolds and Hugh Jackman <a href="https://t.co/7X6DND2VQV">pic.twitter.com/7X6DND2VQV</a></p> <p>— The Swift Society (@TheSwiftSociety) <a href="https://twitter.com/TheSwiftSociety/status/1708816628471812467?ref_src=twsrc%5Etfw">October 2, 2023</a></p></blockquote> <p>Despite Hugh's happy smile when posing for cameras, while being snapped in candid moments, fans were quick to point out that he seemed downcast while watching the game. </p> <p>“Poor Hugh looks miserable,” one person wrote on X, formerly known as Twitter.</p> <p>“Hugh doesn’t seem himself,” said another.</p> <p>“I’m glad Hugh Jackman is out and supported by friends, poor thing,” a third wrote.</p> <p>One person wrote light-heartedly, “Hugh Jackman in his single era let’s gooooooo.”</p> <p>Jackman's public outing comes just weeks after announcing he and his wife Deborra-Lee Furness are getting a divorce. </p> <p>The Hollywood couple <a href="https://oversixty.com.au/lifestyle/relationships/hugh-jackman-devastated-after-marriage-split" target="_blank" rel="noopener">shocked the world</a> on September 15th when they released a statement confirming their separation after being married for 27 years.</p> <p>“We have been blessed to share almost three decades together as husband and wife in a wonderful, loving marriage,” Jackman and Furness told <em><a href="https://people.com/hugh-jackman-and-deborra-lee-jackman-separate-exclusive-7970286" target="_blank" rel="noopener" data-link-type="article-inline">People</a></em>.</p> <p>“Our journey now is shifting and we have decided to separate to pursue our individual growth."</p> <p><em>Image credits: Getty Images / Instagram</em></p>

Beauty & Style

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Downton Abbey star's shock split

<p>Hugh Bonneville, famous for his role in Downton Abbey, has parted ways with his wife, Lucinda "Lulu" Williams, after 25 years of marriage. This revelation came shortly after Bonneville attended a co-star's wedding without his wedding ring.</p> <p>A spokesperson for the actor confirmed the separation, stating, "I can confirm that Hugh Bonneville and Lulu Williams have separated," as reported by the <em>UK Sun</em>.</p> <p>Sources close to the situation reveal that the decision to split was initiated by Bonneville himself. Williams reportedly felt that their lengthy 25-year marriage had been devalued, given Bonneville's recent focus on various aspects of his life.</p> <p>The source explained, "Hugh has been away from home filming a lot this year. He has lost a bit of weight this summer, he was looking trim, tanned and relaxed."</p> <p>Signs of trouble in their relationship first emerged when the 59-year-old actor attended the wedding of his Downton Abbey co-star, Michelle Dockery, without his wedding ring and without Lulu.</p> <p>Their last public appearance together dates back to April when they attended a gala at the Old Vic Theatre in London.</p> <p>Bonneville had previously praised his estranged wife, referring to her as his "bedrock" and "anchor", according to the <em>UK Sun</em>. He humorously recounted their initial connection, saying, "Lulu was running a marquee company … my mother rang her to hire some chairs or something and said, 'Do you remember Hugh?' and that was how we reconnected," though he jokingly added that it "infuriated" him that he had to "give full credit" to his mother.</p> <p>To commemorate their 20th anniversary, the couple renewed their vows at the Graceland chapel in Las Vegas just five years ago. Bonneville and Williams initially met as teenagers but didn't embark on a romantic relationship until their 30s. They exchanged their vows in November 1998 and share a son, Felix, who is now 20 years old.</p> <p><em>Images: Instagram</em></p>

Relationships

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New theory in Hugh Jackman and Deborra-Lee Furness split

<p>News of <a href="https://www.oversixty.co.nz/lifestyle/relationships/hugh-jackman-devastated-after-marriage-split" target="_blank" rel="noopener">Hugh Jackman and Deborah-Lee Furness’ split</a> after 27 years of marriage shocked the world, and now celebrity experts are sharing their theories. </p> <p>US broadcaster Cooper Lawrence shared her theory in an interview with <em>Sunrise </em>hosts Natalie Barr and Matt Shirvington on Monday morning. </p> <p>Lawrence claimed that the couple were waiting for their two adopted children Oscar, 23, and Ava, 18, to grow old enough before they had an amicable split. </p> <p>“I think [Jackman and Furness] were waiting until the kids were old enough that they could have an amicable split and not worry about child custody or how much everybody is going to pay each other,” she told the <em>Sunrise</em> hosts. </p> <p>She added that child custody battles are what make  high-profile divorces “messy”, which could explain the timing of the divorce.</p> <p>“They don’t have to worry about that because the kids are older, so now they can just split their multi-millions and all their properties, which is a lot.”</p> <p>The couple have properties in New York, Sydney and The Hamptons.</p> <p>Lawrence added that the rumour mill began spinning on “the Broadway scene” sometime last year after the couple sold their <a href="https://www.oversixty.com.au/property/real-estate/hugh-jackman-s-nyc-triplex-attracts-big-looks-and-bigger-bucks" target="_blank" rel="noopener">three-storey New York apartment</a>.</p> <p>“For a while on the Broadway scene there was a rumour there might be something going on in that marriage and people were like, ‘This is kind of odd,’ but as soon as they sold their three-floor apartment... and downsized and then shipped a bunch of furniture home to Sydney, it was like ‘What’s really going on here?’” she said.</p> <p>She added that while celebrity splits are nothing new, some fans have taken it harder than others because some celebrities make them believe in true love. </p> <p>“Every time there was a think piece about Hollywood couples that made us believe in love, (Jackman and Furness) were always at the top of the list,” Lawrence explained.</p> <p>“They are always talking about each other and they were the ‘it couple’ for anybody that’s a little older than their younger spouse.</p> <p>“They were role models for everything in relationships.”</p> <p>Fans aren't the only ones devastated by the divorce. The <em>Wolverine</em> actor <a href="https://www.oversixty.co.nz/lifestyle/relationships/hugh-jackman-devastated-after-marriage-split" target="_blank" rel="noopener">broke his silence</a> the day after their separation statement went public, and shared that it was "a difficult time.' </p> <p><em>Image: Getty/Kevin Mazur/WireImage</em></p>

Family & Pets

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Hugh Jackman "devastated" after marriage split

<p>Hugh Jackman has publicly addressed his recent separation for the first time since the news surfaced on Friday September 15. Photographed while running errands in the streets of New York, Jackman's ring finger conspicuously lacked a wedding ring. When approached by a photographer about the breakup, he declined to delve into details, simply stating, "It doesn't feel quite right talking about it on the street."</p> <p>The 54-year-old actor did, however, acknowledge the challenging situation with a brief remark, saying, "It's a difficult time," before courteously smiling at the photographer and resuming his errands.</p> <p>His appearance comes in the wake of reports indicating that he was profoundly affected by his split from his wife of 27 years, Deborra-lee Furness. However, some sources suggest that the separation had been a long time coming.</p> <p>The <a href="https://pagesix.com/2023/09/16/hugh-jackman-devastated-over-deborra-lee-furness-marriage-ending/" target="_blank" rel="noopener">New York Post's Page Six</a> section cited a source close to Jackman who said that he is “devastated” by the split and that he is “very sad".</p> <p>An insider from Broadway, where Jackman returned for "The Music Man" in February 2022, revealed that the breakup wasn't a recent development, sharing, "It happened a while ago. Friends and family knew about it."</p> <p>They added that there was no involvement of a third party and that the couple had gradually evolved into more like "roommates"</p> <p>The announcement of their separation came as a shock to their worldwide fanbase. The couple shared their decision to part ways through a statement released via <em>People</em> magazine, expressing their gratitude for nearly three decades of marriage and explaining their choice to separate in pursuit of individual growth. The statement concluded by requesting privacy during this transitional phase in their lives.</p> <p>“We have been blessed to share almost three decades together as husband and wife in a wonderful, loving marriage,” the statement read. “Our journey now is shifting, and we have decided to separate to pursue our individual growth.”</p> <p>Jackman and Furness then added that “our family has been and always will be our highest priority” as “we undertake this next chapter with gratitude, love and kindness”.</p> <p>“We greatly appreciate your understanding in respecting our privacy as our family navigates this transition in all of our lives,” the statement continued before they signed off as “Deb and Hugh Jackman”.</p> <p>“This is the sole statement either of us will make,” the pair concluded.</p> <p>Jackman and Furness first crossed paths while working together on the Australian miniseries <em>Correlli</em> in 1995. Jackman, who had previously described their connection as love at first sight, knew he wanted to marry Furness just weeks after meeting her. They tied the knot on April 11, 1996.</p> <p>Their journey together included overcoming miscarriages and embarking on an IVF journey before deciding to adopt. In 2000, they welcomed their son, Oscar, into their family, followed by the adoption of their daughter, Ava, five years later.</p> <p>Jackman had often openly expressed his deep affection for Furness throughout their marriage. Shortly before the news of their separation emerged, he shared a heartfelt message on Instagram celebrating their 27th wedding anniversary, professing his enduring love and admiration for his wife.</p> <p>In a recent development, Furness was spotted without her wedding ring just days before the news of their separation became public.</p> <p><em>Images: Instagram</em></p>

Relationships

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Royal family's 175-year-old right to hunt comes to an end

<p>The royal family can no longer hunt at the five-century old Abergeldie Estate that is next door to Balmoral Castle.</p> <p>Abergeldie's new owner, Alastair Storey, has terminated the royal family's sporting rights lease, established by Prince Albert in 1852, which means they can no longer go hunting, deer stalking or fishing at the estate, ending the 175-year-old tradition.</p> <p>Storey reportedly has plans to "transform" buildings on the estate into private accommodation and hunting lodges, according to the Daily Telegraph.</p> <p>Planning documents filed with Aberdeenshire council confirmed this: "For the last 175 years the Royal family have leased the sporting rights at Abergeldie but this has now ceased, and will be actively run by the new Laird.</p> <p>"To facilitate the transformation and to effectively run the estate, new facilities will be required."</p> <p>The documents also stated that the buildings around the farmhouse "facilitate accommodation for the running of the estate and will include a social space for paying visitors to support the sporting activities on the estate".</p> <p>This is a huge change from the original agreements Prince Albert drew up with the Gordon family, who previously owned the estate.</p> <p>This also comes after the late Queen agreed to pay more for the shooting and hunting rights on the sporting estate 25 years ago, after she was asked to increase the nominal rent that was being paid by the royal family for access.</p> <p>The 11,532-acre estate is nestled between the late Queen Elizabeth's former estate and the King's residence, Birkhall.</p> <p>It was sold in 2021 after the death of the 21st Baron of Abergeldie, John Gordon - who was also a friend of the late monarch - to Storey, who bought the estate for £23 million.</p> <p>Although Storey purchased 34 properties dotted around the vast estate, he has not bought out Abergeldie Castle, which still belongs to the Gordon family.</p> <p>Storey, 70, is a Scottish businessman and chief executive of WSH, and was labelled the "most influential man in the UK hospitality industry" in 2012.</p> <p>He was made an Order of the British Empire (OBE) by Queen Elizabeth in 2017.</p> <p><em>Images: Getty</em></p>

Family & Pets

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How some people can end up living at airports for months – even years – at a time

<p><em><a href="https://theconversation.com/profiles/janet-bednarek-144872">Janet Bednarek</a>, <a href="https://theconversation.com/institutions/university-of-dayton-1726">University of Dayton</a></em></p> <p>In January 2021, local authorities arrested a 36-year-old man named Aditya Singh <a href="https://news.yahoo.com/man-living-o-hare-3-001000925.html">after he had spent three months living at Chicago’s O'Hare International Airport</a>. Since October, he had been staying in the secure side of the airport, relying on the kindness of strangers to buy him food, sleeping in the terminals and using the many bathroom facilities. It wasn’t until an airport employee asked to see his ID that the jig was up.</p> <p>Singh, however, is far from the first to pull off an extended stay. <a href="https://udayton.edu/directory/artssciences/history/bednarek_janet.php">After more than two decades studying the history of airports</a>, I’ve come across stories about individuals who have managed to take up residence in terminals for weeks, months and sometimes years.</p> <p>Interestingly, though, not all of those who find themselves living in an airport do so of their own accord. This group includes Mehran Karimi Nasseri, who famously lived in Paris’ Charles de Gaulle Airport for 18 years and inspired the movie “The Terminal.” <a href="https://www.npr.org/2022/11/12/1136307777/the-terminal-movie-merhan-karimi-nasseri-dies-paris-airport">Nasseri died</a> on November 12, 2022.</p> <h2>Blending in with the crowd</h2> <p>Whether it’s in video games like “<a href="https://www.microsoft.com/en-us/p/airport-city/9wzdncrfjchj?activetab=pivot:overviewtab">Airport City</a>” or scholarship on topics like “<a href="https://airporturbanism.com/">airport urbanism</a>,” I’ll often see the trope that airports are like “mini cities.” I can see how this idea germinates: Airports, after all, have <a href="https://theconversation.com/as-you-travel-pause-and-take-a-look-at-airport-chapels-87578">places of worship</a>, policing, hotels, fine dining, shopping and mass transit.</p> <p>But if airports are cities, they’re rather strange ones, in that those running the “cities” prefer that no one actually takes up residence there.</p> <p>Nonetheless, it is possible to live in airports because they do offer many of the basic amenities needed for survival: food, water, bathrooms and shelter. And while airport operations do not necessarily run 24/7, airport terminals often open very early in the morning and stay open until very late at night.</p> <p>Many of the facilities are so large that those determined to stay – such as the man at O'Hare – can find ways to avoid detection for quite some time.</p> <p>One of the ways would-be airport residents avoid detection is to simply blend in with the crowds. Before the pandemic, U.S. airports handled 1.5 million to 2.5 million passengers <a href="https://www.tsa.gov/coronavirus/passenger-throughput">on any given day</a>.</p> <p>Once the pandemic hit, the numbers dropped dramatically, falling below 100,000 during the early weeks of the crisis in the spring of 2020. Notably, the man who lived at O'Hare for a little over three months arrived in mid-October 2020 as passenger numbers <a href="https://www.tsa.gov/coronavirus/passenger-throughput">were experiencing a rebound</a>. He was discovered and apprehended only in late January 2021 – right when passenger numbers dropped considerably after the <a href="https://www.tsa.gov/coronavirus/passenger-throughput">holiday travel peaks</a> and during <a href="https://www.bbc.com/news/world-us-canada-54966531">the resurgence of the coronavirus</a>.</p> <h2>Living in limbo</h2> <p>Not all of those who find themselves sleeping in a terminal necessarily want to be there.</p> <p>Travel by air enough and chances are that, at one time or another, you’ll find yourself in the category of involuntary short-term airport resident.</p> <p>While some people may book flights that will require them to stay overnight at the airport, others find themselves stranded at airports because of missed connections, canceled flights or bad weather. These circumstances seldom result in more than a day or two’s residency at an airport.</p> <p>Then there are those who unwittingly find themselves in an extended, indefinite stay. Perhaps the most famous involuntary long-term resident was <a href="https://www.gq.com/story/merhan-nasseri-charles-de-gaulle-stuck">Mehran Karimi Nasseri</a>, the airport dweller whose story inspired “<a href="https://www.imdb.com/title/tt0362227/">The Terminal</a>.”</p> <p>Nasseri, an Iranian refugee, was en route to England via Belgium and France in 1988 when he lost the papers that verified his refugee status. Without his papers, he could not board his plane for England. Nor was he permitted to leave the Paris airport and enter France. He soon became an international hot potato as his case bounced back and forth among officials in England, France and Belgium. At one point French authorities offered to allow him to reside in France, but Nasseri turned down the offer, reportedly because he wanted to get to his original destination, England. And so he stayed at Charles de Gaulle Airport for nearly 18 years. He left only in 2006, <a href="https://www.csmonitor.com/2004/0621/p11s02-almo.html">when his declining health required hospitalization</a>. Prior to his death in November 2022, he had returned to the airport on his own accord, and was staying in Terminal 2F when he suffered the heart attack that killed him.</p> <p>Other long-term airport residents include Edward Snowden, the NSA leaker, who spent <a href="https://www.theregister.com/2016/09/12/edward_snowden_wikileaks_sarah_harrison/">more than a month in a Russian airport in 2013</a> before receiving asylum. And then there is <a href="http://news.bbc.co.uk/2/hi/africa/4673103.stm">the saga of Sanjay Shah</a>. Shah had traveled to England in May 2004 on a British overseas citizen passport. Immigration officials, however, refused him entry when it was clear he intended to immigrate to England, not merely stay there the few months his type of passport allowed. Sent back to Kenya, Shah feared leaving the airport, as he had already surrendered his Kenyan citizenship. He was finally able to leave after an airport residency of just over a year when British officials granted him full citizenship.</p> <p>More recently, the coronavirus pandemic has created new long-term involuntary airport residents. For example, an Estonian named Roman Trofimov arrived at Manila International Airport on a flight from Bangkok on March 20, 2020. By the time of his arrival, Philippine authorities had ceased issuing entry visas to limit the spread of COVID-19. Trofimov spent over 100 days in the Manila airport until personnel at the Estonian embassy <a href="https://www.news.com.au/travel/travel-updates/travel-stories/man-trapped-in-manila-airport-for-100-days-amid-coronavirus-pandemic/news-story/09bfee03d3d1f23ca28f1fd97fa99109">were finally able to get him a seat on a repatriation flight</a>.</p> <p>[<em>You’re smart and curious about the world. So are The Conversation’s authors and editors.</em> <a href="https://theconversation.com/us/newsletters/weekly-highlights-61?utm_source=TCUS&amp;utm_medium=inline-link&amp;utm_campaign=newsletter-text&amp;utm_content=weeklysmart">You can get our highlights each weekend</a>.]</p> <h2>The homeless find refuge</h2> <p>While most involuntary airport residents long to leave their temporary home, there are some who have voluntarily attempted to make an airport their long-term abode. Major airports in both the United States and Europe have long functioned – though largely informally – as homeless shelters.</p> <p>Though homelessness and the homeless have a long history in the United States, many analysts see the 1980s as an important turning point in that history, as many factors, including federal budget cuts, the deinstitutionalization of the mentally ill and gentrification, <a href="https://www.ncbi.nlm.nih.gov/books/NBK519584/">led to a sharp rise in the number of homeless</a>. It is in that decade that you can find the earliest stories about the homeless living at U.S. airports.</p> <p>In 1986, for example, <a href="https://www.chicagotribune.com/news/ct-xpm-1986-12-12-8604020917-story.html">the Chicago Tribune wrote about Fred Dilsner</a>, a 44-year-old former accountant who had been living at O'Hare in Chicago for a year. The article indicated that homeless individuals had first started showing up at the airport in 1984, following the completion of the Chicago Transit Authority train link, which provided easy and cheap access. The newspaper reported that 30 to 50 people were living at the airport, but that officials expected the number could climb to 200 as the winter weather set in.</p> <p>This issue has persisted into the 21st century. News stories from 2018 reported a rise in the number of homeless at several large U.S. airports over the previous few years, including at <a href="https://www.usatoday.com/story/travel/flights/todayinthesky/2018/02/12/atlantas-homeless-fill-atrium-worlds-busiest-airport-overnight/328388002/">Hartsfield-Jackson Atlanta International Airport</a> and at <a href="https://www.wbal.com/article/325387/3/growing-number-of-homeless-people-find-refuge-at-airport">Baltimore/Washington International Thurgood Marshall Airport</a>.</p> <p>The coronavirus pandemic has added an additional public health concern <a href="https://saportareport.com/amid-pandemic-city-plan-directs-homeless-sleeping-at-airport-to-supportive-services/columnists/sean-keenan/seankeenan/">for this group of airport denizens</a>.</p> <p>For the most part, airport officials have tried to provide aid to these voluntary residents. At Los Angeles International Airport, for example, officials have deployed crisis intervention teams to work <a href="https://www.nbclosangeles.com/investigations/lax-homeless-problem-bathrooms-waste/2278989/">to connect the homeless to housing and other services</a>. But it’s also clear that most airport officials would prefer a solution <a href="https://www.ajc.com/news/local/homeless-spending-night-hartsfield-jackson-prompt-police-monitoring/XKhpdJ8QZliOtGYutCsZOO/">where airports no longer operated as homeless shelters</a>.</p> <p><em>This is an updated version of an article originally published on March 3, 2021.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/154336/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/janet-bednarek-144872">Janet Bednarek</a>, Professor of History, <a href="https://theconversation.com/institutions/university-of-dayton-1726">University of Dayton</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-some-people-can-end-up-living-at-airports-for-months-even-years-at-a-time-154336">original article</a>.</em></p>

International Travel

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Sickness or health: Healthy life split along gender, education lines

<p>Australians are living and working longer than ever, but the number of healthy years they’re enjoying with this added longevity isn’t shared equally between the sexes, or by those who finished school before Year 12.</p> <div class="copy"> <p>A paper recently <a href="https://doi.org/10.1016/S2468-2667(23)00129-9" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="https://doi.org/10.1016/S2468-2667(23)00129-9">published</a> in <em>The Lancet</em> <em>Public Health</em> from the Ageing Futures Institute at the University of New South Wales shows an increase in longevity in Australia. Other data in the publication reveal detail about “healthy years”.</p> <p>Men, and those with higher levels of education, worked about 2 years longer in good health. For women and those with lower education, the years of healthy life expectancy have gone backwards.</p> <p>The report, led by statistician Dr Kim Kiely who is now based at The University of Wollongong, compared representative cohorts of people aged 50-100 who participated in the Household Income and Labour Dynamics in Australia survey (HILDA). Those cohorts were measured over decade long periods – the first from 2001-2010 and the second from 2011-2020.</p> <p>Men added an extra 11 months of healthy life between the cohorts, while women lost a month. Similarly those of any gender who had completed year 12 added about 10 months to their healthy life expectancy, while the same amount of time was lost by those who hadn’t.</p> <p>“Everyone’s increasing their working life expectancy, so the years they’re expected to be working,” Kiely says. “What is different is how long they’re expected to be living in good health: women and people with low education didn’t have an improvement in healthy life expectancy.</p> <p>“Everyone’s also living longer than ever before, but for women, those extra years seem to be years of poor health.  People with lower education – they end up going backwards, they’re losing years of healthy life.”</p> <p>Australia’s working life trends are similar to those in Europe and the UK, though this research suggests the Australian labour force works longer in poor health than their antipodean counterparts.</p> <p>Kiely says the findings are important considerations for policymakers pondering questions of retirement and pension ages: the demands of some labour may not be evenly spread when it comes to considering health implications.</p> <p>“We have a pension age that has been rising steadily over the past couple of decades – it’s not rising anymore – but there is a strong expectation for people to be working longer,” Kiely says. “And if that is the case, then we need opportunities for work for mature age, older adults, and those work opportunities have to be suitable for their capacity to work.</p> <p>“We do need to address things like age and gender discrimination in the workforce. And we need to think about how we support people who are unable to work before they reach the pension age.”</p> <p>Kiely is extending his research into how the nature of work in Australia influences these high-level findings. He hopes this can explain why gender and education influence healthy working years.</p> <p>Further drilling down into other subgroups is important, say Dr Marty Lynch and Dr Ross Wilkie from Keele University, UK. They investigated healthy working life expectancy as part of Britain’s Independent State Pension Age Review last year. They too found Briton were working longer, but not at a rate that keeps pace with the national pension age.</p> <p>In a <em>Lancet</em> editorial accompanying the Australian research, they point out that the HILDA data evaluation only shows changes in average ages on gender and education lines.</p> <p>“The extent of HWLE [Healthy Working Life Expectancy] inequalities between subpopulations with multiple specific characteristics are likely to be even wider and will also indicate targets and interventions to increase the number of years that people can be healthy and in work,” they say.</p> <p>The impact of socioeconomic status on life expectancy and disease burden was recently highlighted in a large-scale review of Australia’s 30-year health data.</p> <p><a href="https://cosmosmagazine.com/people/society/australias-life-expectancy-is-up-but-healthy-years-are-a-different-story/">It found</a> while Australians have added 6 years to their life expectancy since 1990, those with lower socioeconomic backgrounds had a higher risk of death-causing disease.</p> <p><em>Image credits: Getty Images</em></p> <p><em><a href="https://cosmosmagazine.com/people/society/sickness-or-health-healthy-life-split-along-gender-education-lines/">This article</a> was originally published on <a href="https://cosmosmagazine.com">Cosmos Magazine</a> and was written by <a href="null">Cosmos</a>. </em></p> </div>

Retirement Life

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What actually is palliative care? And how is it different to end-of-life care?

<p><em><a href="https://theconversation.com/profiles/samar-aoun-1437641">Samar Aoun</a>, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a></em></p> <p>Although it is associated with dying, palliative care is an approach focused on improving <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6405258/#:%7E:text=QOL%20can%20also%20be%20defined,QOL%20(2%E2%80%934).">quality of life</a> – or how people feel about and respond to facing a life-threatening illness.</p> <p>Palliative care aims to prevent and relieve physical, social, emotional, spiritual and existential distress. Palliative care also supports family caregivers during the disease journey and bereavement phase. You might have heard it mentioned for cancer, but it is beneficial for the majority of life-limiting conditions. It has been shown to reduce health-care costs by <a href="https://palliativecare.org.au/publication/kpmg-palliativecare-economic-report/">preventing</a> unnecessary hospital admissions.</p> <p>Palliative care is not voluntary assisted dying. It does not aim to hasten or prolong death. It is not just for people who are about to die and seeking palliative care does not mean “giving up”. In fact, it can be a profound and positive form of care that the World Health Organization (WHO) has <a href="https://www.who.int/news-room/fact-sheets/detail/palliative-care">recognised</a> as a basic human right. But what does it involve?</p> <h2>Not just for someone’s final days</h2> <p>Palliative care is often seen as a “last resort” rather than a service that empowers terminally ill people to live as well as possible for as long as possible.</p> <p>The full benefit of this holistic approach can only be realised if people are referred early to <a href="https://palliativecare.org.au/resource/what-is-palliative-care/">palliative care</a> – ideally from the time they are diagnosed with a terminal illness. Unfortunately, this rarely happens and palliative care tends to blur with <a href="https://www.nia.nih.gov/health/providing-comfort-end-life">end-of-life care</a>. The latter is for people who are likely to die within 12 months but is often left to the last few weeks.</p> <figure><iframe src="https://www.youtube.com/embed/qMbq0fP9kr4?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Palliative is not just for the very end of someone’s life.</span></figcaption></figure> <h2>Palliative care can involve difficult conversations</h2> <p>Palliative care provides a time to ask some usually taboo questions. What kind of death do you want to experience? Who is in your personal network? How will they respond to your life ending? What kind of support can they offer?</p> <p>Palliative care can be provided at home, hospital, hospice or residential aged care facility, depending on the preference and circumstances of patients and their family carers.</p> <p>In general, patients are referred by their treating specialist, health professional or GP. Patient preferences for care and what matters most to them are discussed with their doctor or other health professionals and with their loved ones with <a href="https://www.advancecareplanning.org.au/">advance care planning</a>. These discussions can include information on their preferred place of care, preferred place of death, personal care needs such as dietary preferences and religious and spiritual practices.</p> <p>This helps those caring to make decisions about the patient care when the patient cannot anymore. However, advance care planning can start at any time in life and without a diagnosis.</p> <h2>How palliative care delivery has changed</h2> <p>Once upon a time, we were born at home and we died at home. Death was a social event with a medical component. Now it is close to the opposite. But research indicates a solely clinical model of palliative care (mainly symptom management funded through the health system) is <a href="https://www.mdpi.com/2227-9032/9/12/1615">inadequate</a> to address the complex aspects of death, dying, loss and grief.</p> <p>A <a href="https://www.phpci.org/">public health</a> palliative care approach views the community as an equal partner in the long and complex task of providing quality health care at the end of someone’s life. It promotes conversations about patients’ and families’ goals of care, what matters to them, their needs and wishes, minimising barriers to a “good death”, and supporting the family post-bereavement.</p> <p>These outcomes require the involvement of family carers, friendship networks and not-for-profit organisations, where more detailed conversations about life and death can happen, instead of the “pressure cooker” rushed environment of hospitals and clinics. Investment could develop stronger <a href="https://pubmed.ncbi.nlm.nih.gov/29402101/">death literacy</a> and grief literacy in the community and among health professionals, who may be <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6312518/#:%7E:text=Some%20struggle%20with%20the%20limitations,lead%20in%20opening%20a%20dialogue">reluctant</a> to raise or discuss these topics. This would likely see the take up of advance care planning increase, from the current low levels of <a href="https://www1.racgp.org.au/newsgp/clinical/advance-care-planning-in-an-ageing-population#:%7E:text=A%20paper%20exploring%20the%20cognitive,advance%20health%20directive%20in%20place.">less than 15%</a> of Australians (<a href="https://theconversation.com/only-25-of-older-australians-have-an-advance-care-plan-coronavirus-makes-it-even-more-important-144354">25% of older Australians</a> accessing health and aged-care facilities).</p> <p>One such successful approach is the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9720808/">Compassionate Communities Connectors Program</a> in Western Australia, using trained <a href="https://comcomnetworksw.com/compassionate-connectors-program/">community volunteers</a> to enhance the social networks of terminally ill people.</p> <p>Our research trial trained 20 community volunteers (“connectors”) and 43 patients participated over 18 months. In sourcing others to help (who we called “caring helpers”), connectors built the capacity of the community and social networks around patients in need. Caring helpers assisted with transport, collecting prescriptions, organising meals and linked clients to community activities (such as choirs, walking groups, men’s shed). And they helped complete advance care planning documentation. About 80% of patients’ needs were social, particularly around reducing feelings of isolation.</p> <p>Patients in the trial had fewer hospital admissions and shorter hospital stays.</p> <h2>Tailored to need</h2> <p>Palliative care should be tailored to each person, rather than a one-size-fits-all clinical model that doesn’t respect autonomy and choice.</p> <p>Many people are dying in a way and a place that is not reflective of their values and their end-of-life is interrupted with preventable and costly admissions to hospital where control and even dignity are surrendered. Palliative care hospitalisations have <a href="https://www.aihw.gov.au/reports/palliative-care-services/palliative-care-services-in-australia/contents/summary">increased</a> in recent years compared to all hospitalisations, with 65% of such admissions ending with the patient dying in hospital.</p> <p>It is unrealistic and unaffordable to have a palliative care service in every suburb. There needs to be a shift to a more comprehensive, inclusive and sustainable approach, such as Compassionate Communities, that recognises death, dying, grief and loss are everyone’s business and responsibility.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/205488/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/samar-aoun-1437641">Samar Aoun</a>, Perron Institute Research Chair in Palliative Care, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-actually-is-palliative-care-and-how-is-it-different-to-end-of-life-care-205488">original article</a>.</em></p>

Caring